Regional Credit Manager (Vice President) - Business Banking/Working Capital Limits at AU Small Finance Bank (2019-03 – Present)
- Pioneering the establishment and leadership of the Business Banking credit division in Punjab, Haryana, and HP
- Conducting extensive regional travel to meet with clients, assess their business models, and analyze financial statements
- Approving working capital proposals and providing well-informed recommendations based on thorough risk assessments
- Performing comprehensive due diligence and conducting thorough market reference checks for promoters
- Designed and executed streamlined processes to optimize credit operations for enhanced efficiency
- Implementing a streamlined credit approval process, reducing turnaround time and improving overall efficiency
- Steering risk analysis of the credit portfolio as per geography wise, product wise as well as customer wise to monitor the level of credit risk borne by the company
- Developing & executing a comprehensive risk management strategy, resulting in huge reduction in delinquency rates, improving portfolio quality
- Facilitating credit appraisal, monitoring CPA processing and facilitating final disbursal
- Formulating policies & norms, implementing policy and performing continuous evaluation to ensure adherence to the policy & compliance
- Engaging with customers at their business place and analyzing their financial potentiality
- Handling working capital portfolio of over Rs. 1200 Crores in the current role as Regional Credit Manager at AU Small Finance Bank (Punjab, Haryana and HP)
- Joined Bank as "Cluster Credit Manager" in 2019, Promoted as "Regional Credit Manager" in 2023
- 02 Grade promotions (Recently been promoted as Vice President during last year appraisals)
- Last 02 ratings "05". Never rated below "04" in AU Bank till date
- Achieved reward and recognition for maintaining 100% book in 2022
- Managed sanctioning along with recommendations of working capital proposals (Ticket size up to Rs.100 Crores)
Senior Credit Manager - Business Banking/Working Capital Limits at HDFC Bank (2018-02 – 2019-03)
- Crafted and evaluated high-value proposals for working capital limits in Chandigarh, Haryana, and HP
- Performed comprehensive financial analysis and conducted thorough risk assessments for SMEs
- Approved working capital limits and provided recommendations aligned with industry benchmarks
- Monitored a diverse portfolio encompassing cash credit/overdraft limits, letter of credit, bank guarantees, and packing credits
- Implemented a proactive monitoring system for existing portfolio accounts, resulting in a huge reduction in delinquency rates and improved overall portfolio performance
- Efficiently handled a workload of 70-80 cases per month and conducted thorough evaluations of annual reports for both new and existing portfolios
- Successfully managed a portfolio of XX cash credit/overdraft limits, letter of credit, bank guarantees, and packing credits, ensuring timely disbursement and minimizing risk exposure
Credit Manager - Business Banking/Working Capital Limits at IndusInd Bank (2016-06 – 2018-02)
- Prepared and analyzed working capital proposals for Chandigarh, Haryana, and HP
- Conducted financial analysis and risk assessments of SMEs
- Sanctioned working capital limits and made recommendations based on industry benchmarks
- Managed a portfolio of cash credit/overdraft limits, letter of credit, bank guarantees, and packing credits
- Evaluated annual reports for new and existing portfolio
Credit Manager - Risk Management of Working Capital Products (Business Banking) at ING Vysya Bank (KMBL) (2011-08 – 2016-06)
- Prepared and analyzed working capital proposals for New Delhi, NCR, Rajasthan, Chandigarh, HP, and Punjab
- Maintained credit scorecards for the existing portfolios and its usage for credit appraisal
- Managed various lending operations including appraising proposals, conducted risk analysis and scrutinized relevant documents within the specified guidelines
- Evaluated financial statements of SMEs (Balance sheets, Profit & loss account, banking analysis along with key ratio analysis)
- Drafted proposals which captured overall risk assessment of a company's business model based on various risk parameters like industry, business, management, financial risk and comparison of the same with well-established medians and benchmarks
- Executed due diligence of overall group along with identifying market reference checks of promoters
- Headed major products such as cash credit/Overdraft limits, Letter of Credit, Bank Guarantees, Packing Credits etc.
- Analyzed the annual reports of the new BBG cases and renewals of existing portfolio
Assistant Manager - Internal Audit at Satin Credit Care Network Ltd. (2009-11 – 2011-08)
Led the micro finance institution of North India and conducted the operations of New Delhi head office. Worked towards the Professional internal auditing work which involved managing/conducting performance, operational, financial, IT, fraud investigation and compliance of audit assignments in the branches. Reported directly to audit head with team handling of all Area Managers (audit) and divisional managers (audit).
Expertise in entire MFI Process (CGT, GRT, Pre GRT, Accounts, MIS functionality etc.).
- Led the micro finance intuition of North India and conducted the operations of New Delhi head office
- Worked towards the Professional internal auditing work which involved managing/ conducting performance, operational, financial, IT, fraud investigation and compliance of audit assignments in the branches
- Reported directly to audit head with team handling of all Area Managers (audit) and divisional managers(audit) Expertise in entire MFI Process (CGT, GRT, Pre GRT, Accounts, MIS functionality etc.)
- Provided inputs for the development of the annual internal audit plan with emphasis on a risk -based approach designed to assist management in the attainment of their objectives
- Adhered to all the organizational policies with regards to Internal Audit, ensured junior members are also following the same, trained the staff so that all the pre-established parameters are met
Credit Analyst (CPA Manager) - Business Banking/Working Capital Limits at ICICI Bank Ltd. (2007-08 – 2009-11)
- Prepared working capital proposals along with presentation of the same to higher authorities
- Evaluated financial statements of SMEs (Balance sheets, Profit & loss account, banking analysis along with key ratio analysis)
- Drafted proposals which captured overall risk assessment of a company's business model based on various risk parameters like industry, business, management, financial risk and comparison of the same with well-established medians and benchmarks
- Created Credit Appraisal memo and underwriting of unsecured business loan, secured loan proposals within defined guidelines and TATs, took credit decision or recommend case for approval to higher authorities
